Credit-Concern Privacy Policy

Please make sure you read this page throughly

The following sets forth the policies for the collection and use of personally identifiable information (“Information”) by Credit-Concern.com (together with its affiliated companies, “Credit-Concern.com”) in connection with its operation of the Web site located at Credit-Concern.com (the “Site”). Credit-Concern.com takes its obligations regarding privacy very seriously, and it wants to ensure users are fully informed about the Information they are providing to it.

Collection of Information
In connection with the Site, Credit-Concern.com may collect Information in the following ways:

• Through registration forms filled out by a user on the Site
• Through Information provided by a user in connection with the purchase of products or services on the Site
• Through the maintenance and analysis of Web server logs
• Via e-mail sent by a user to Credit-Concern.com
• Through the use by Credit-Concern.com of third-party databases from which user Information is extracted and combined with Information obtained by Credit-Concern.com through other means.

Credit-Concern.com may also connect non-personally identifiable information from users via “cookies” (small text files placed by Credit-Concern.com on user computers), single-pixel GIF image files (also called “Web beacons”), Web server log analysis and other similar technological means.  Such non-personally identifiable information may be used to track site trends and enhance the user experience, and may be shared with third parties.

By submitting your e-mail address at the Website you agree to receive e-mail marketing from "credit-concern.com" and our third-party advertisers which may include USA Credit and/or USA Benefits.

To the extent third parties may place advertising on the Site, such third parties may utilize cookies or other technological means within the advertising to collect and utilize non-personally identifiable information.  Credit-Concern.com is not responsible for information collected by third parties in this manner, nor for the collection or use of Information by other sites to which the Site is linked.

We may use personal information to provide the services you've requested, including services that display customized content and advertising. In addition to any fee of which you are notified, your provider's standard messaging rates apply to our confirmation and all subsequent SMS correspondence. You may opt-out and remove your SMS information by sending "STOP", "END", "QUIT" to the SMS text message you have received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third parties, or used by us or third parties to send promotional correspondence to you.

These third party businesses may include, but are not limited to: providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation; e-mail marketers; and telemarketers. Information collected by us may be added to our databases and used for future telemarketing, SMS text-messaging, e-mails, instant messaging, or postal mailings regarding site updates, new products and services, upcoming events, and/or status of orders and/or loans placed online. By using this Website, you agree that you may be contacted in any manner contemplated in this section even if your number is found on a do-not-call registry or similar registry.

Types of Information Collected by Credit-Concern.com
The following types of Information about a user are among those that may be collected by Credit-Concern.com in connection with the Site:

• Name
• Postal address
• E-mail address
• Telephone number
• Cellular telephone number
• Facsimile number
• Payment information (e.g. credit card numbers and billing addresses), if purchases or payments are made
• Banking information
• Social Security number
• Date of birth
• Age
• Gender
• Other demographic information (e.g. occupation, income range)
• IP Address
• Referring site
• Other technical information collected by the Site’s servers.

No Collection of Information from Children
The Site is not intended for users under the age of 18, nor does Credit-Concern.com knowingly collect or retain Information in connection with the Site from children under the age of 13.

Use of Information
Credit-Concern.com may use Information collected in connection with the Site in the following ways:

• To provide requested information, products and services to users
• To improve the user experience with the Site
• In connection with the operation of the Site and Credit-Concern.com’s internal business
• In connection with other Sites or offline businesses owned or operated by Credit-Concern.com
• For Users to obtain information and offers for products and services offered by Credit-Concern.com as well as selected third parties.

In order to do the foregoing, Credit-Concern.com may provide the Information to trusted third parties, including but not limited to selected third party marketers and vendors as well as third party contractors providing services to Credit-Concern.com for the operation of the Site and its business, communication services and fulfillment of orders.  Credit-Concern.com will use commercially reasonable efforts to limit use of the Information by such third parties to the specific uses set forth above.  Credit-Concern.com also utilizes electronic and physical security to reduce the risk of improper access to or manipulation of Information during transmission and storage, but cannot guarantee the security or integrity of the Information.
Credit-Concern.com may also disclose Information when it determines it is necessary to comply with applicable laws or regulations or protect the interests or safety of Credit-Concern.com, its customers, or other visitors to the Site.

Access to Information
Users may modify and correct certain Information through a written request sent to Credit-Concern.com.

Changes to this Privacy Policy
Credit-Concern.com reserves the right to revise and update this Privacy Policy at any time. Any such revisions will be effective on the date of posting to the Site, and will apply to all information collected by Credit-Concern.com both prior to and following the effective date. Your use of the Site following any such revisions will be deemed your acceptance of such revisions. Users should periodically visit this page to review the current policies with regard to Information.

Opting Out from Offers from Credit-Concern.com
At any time, a user may opt out from receiving future offers from Credit-Concern.com by following the instructions contained within each marketing communication.  Such opting out will not apply to any communications from third parties to whom Credit-Concern.com may have provided Information regarding the user.  Third parties’ use of the Information is subject to such parties’ own privacy policies, for which Credit-Concern.com shall not be responsible.

If you wish to be removed from our mailing list please email us to info@credit-concern.com with subject "Remove Me Please!"

Your California Privacy Rights
Beginning on January 1, 2005, California Civil Code Section 1798.83 permits customers of Credit-Concern.com who are California residents to request certain information regarding Credit-Concern.com’s disclosure of personal information for their direct marketing purposes. Within thirty days of receiving such a request, Credit-Concern.com will provide a list of the categories of personal information disclosed to third parties for third-party direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of these third parties. This request may be made no more than once per calendar year.  Credit-Concern.com reserves its right not to respond to requests submitted other than to the address specified in this paragraph.

DMCA Notice of Copyright Infringement

This website is an online service provider as defined in the Digital Millennium Copyright Act. We provide legal copyright owners with the ability to self-publish on the internet by uploading, storing and displaying various media utilizing our services. We do not monitor, screen or otherwise review the media which is uploaded to our servers by users of the service. We take copyright violation very seriously and will vigorously protect the rights of legal copyright owners. If you are the copyright owner of content which appears on this website and you did not authorize the use of the content you must notify us in writing in order for us to identify the allegedly infringing content and take action.

In order to more easily facilitate the process we have provided a form for your use. We will be unable to take any action if you do not provide us with the required information so please fill out all fields accurately and completely. Alternatively you may make a written notice via email, facsimile or postal mail to the DMCA AGENT as listed below. Your written notice must include the following:
 

• A physical or electronic signature of the copyright owner or person authorized to act on behalf of the owner which expressly claims an exclusive right that is allegedly being infringed.
   

• Specific identification of the copyrighted work which you are alleging to have been infringed. If you are alleging infringement of multiple copyrighted works with a single notification you must submit a representative list which specifically identifies each of the works that you allege are being infringed.
   

• Specific identification of the location and description of the material that is claimed to be infringing or to be the subject of infringing activity with enough detailed information to permit this website to locate the material. You should include the specific URL or URLs of the webpages where the allegedly infringing material is located.
   

• Information reasonably sufficient to allow this site to contact the complaining party which may include a name, address, telephone number and electronic mail address at which the complaining party may be contacted.
   

• A statement that the complaining party has a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent or the law.
   

• A statement that the information in the notification is accurate, and under penalty of perjury that the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Written notice should be sent to our designated agent as follows:

DMCA AGENT Email: info@credit-concern.com please put in the subject “DMCA Notice of Copyright Infringement”

Please also note that under applicable law, 17 U.S.C. 512(f), any person who knowingly materially misrepresents that material or activity is infringing may be subject to liability.

Mobile Alerts

For information on Mobile Services please refer to our Mobile Policy.
Mobile Alerts Unsubscribe: http://www.mytxtsupport.com/_unsubscribe.php

Policy Last Revised: January 4th, 2010

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